| Weiss Ratings |
Citizens Bank
Kilgore, TX |
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| Rating | ||||
| Asset Quality Index | 7.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 7.30 | |||
| Company Info |
Citizens Bank
Kilgore, TX |
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| FDIC Number | 16817 | |||
| Phone Number | (903) 984-8671 | |||
| Website | www.citizensbanktx.com | |||
| Asset Quality |
Citizens Bank
Kilgore, TX |
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| 1-Year Asset Growth | 6.32% | |||
| 5-Year Asset Growth | 3.66% | |||
| 5-Year Charge-Offs to Average Loans | 0.29% | |||
| Charge-Offs to Average Loans | -1.25% | |||
| Non-Performing Assets to Assets | 0.02% | |||
| Non-Performing Loans to Capital | 0.16% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
Citizens Bank
Kilgore, TX |
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| Total Assets | 511.75M | |||
| Total Deposits | 433.74M | |||
| Capital and Reserves |
Citizens Bank
Kilgore, TX |
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| Capital | 74.87M | |||
| Leverage Ratio | 14.81 | |||
| Loan Loss Reserves to Loans | 2.49% | |||
| Risk-Based Capital Ratio | 22.29 | |||
| Liquidity |
Citizens Bank
Kilgore, TX |
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| Hot Money Ratio | 14.75% | |||
| Liquidity Ratio | 41.69% | |||
| Profitability |
Citizens Bank
Kilgore, TX |
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| 5-Year Return on Average Assets | 0.58% | |||
| Net Income | 4.27M | |||
| Net Interest Spread | 4.57% | |||
| Operating Profit to Average Assets | 1.11% | |||
| Overhead Efficiency Ratio | 79.13% | |||
| Return on Assets | 0.86% | |||
| Return on Equity | 6.00% | |||